What are the benefits of copayment in a health insurance policy?

Health insurance with copayment is an increasingly popular option for those seeking private health cover at a more affordable price.

This option combines the payment of a fixed premium (monthly or annual) with a small additional cost every time a medical service is used.
 

What exactly is health insurance with copayment?

A health insurance plan with copayment means that, in addition to paying a lower premium, the insured person pays a fixed amount each time they access a healthcare service. This amount, known as a copayment, varies depending on the type of consultation or treatment, but it generally ranges between 1 and 20 euros. For example, a visit to the family doctor with DKV insurance has a copayment of 3.50 euros, while a consultation with a specialist can cost around 20 euros, depending on the insurance.
 

Main benefits of health insurance with copayment

1. Cheaper premium
   One of the clearest benefits is that the total cost of the insurance is usually lower than insurance without copayment. This is ideal for young or otherwise healthy people who don't need to visit a doctor frequently.

2. Payment proportional to use
   The copayment system allows the insured person to pay based on their use of the insurance. This way, if you barely need medical care throughout the year, the total cost will be significantly lower than insurance without copayments.

3. Promoting responsible use
   This model promotes more sensible use of healthcare services. By charging a small fee for each consultation, unnecessary visits are reduced and it avoids the system becoming overwhelmed, something that sometimes occurs in public healthcare.

4. Same coverage, same quality
   Contrary to what some people think, the quality of medical care is not affected by copayments. The cover, medical centres and professionals available are the same as insurance without copayment. That is, you have access to the same network of specialists, diagnostic tests and treatments.
    

When is insurance with copayment suitable?

Insurance with copayment is recommended if:

• You are in good health and rarely go to the doctor.

• You want to pay less per month and don't mind paying small amounts when you use the service.

• You want to keep track of your spending and pay according to your actual needs.
   

When to choose insurance without copayment?

The option without copayment may be more appropriate if:

• You suffer from a chronic illness or need frequent medical care.

• You prefer to pay a fixed premium and not worry about costs per use.

• You don't want the copayment to affect your decision to see a doctor when you need to.
   

DKV Seguros insurance with and without copayment

DKV Seguros, one of the leading health insurance companies in Spain, offers various health insurance options, both with and without copayments, to suit each individual's needs and budget.

• DKV Integral Complet: This is your insurance without copayment, ideal for those looking for comprehensive coverage and wanting to avoid additional payments for each medical visit.

• DKV Integral Classic or Élite: Options with reduced copayments, designed for people who occasionally use health insurance and want to pay less each month.

In addition, all DKV insured persons have access to an extensive network of professionals, hospitals and medical centres, in addition to digital services such as video consultations or electronic prescriptions.
 

A copayment in health insurance can offer significant savings and more efficient use of healthcare services, as long as it fits your health profile and frequency of use. Before choosing between insurance with or without copayment, it's important to evaluate your personal situation and compare options. If you are looking for health insurance with copaymentthat is flexible, reliable, and with different options for every need, DKV Seguros is an excellent option to consider.